Why do many people earn a lot but still can't save money?

If post-80s and post-90s have anything in common, it is that almost everyone is saying that they can't save money.

Is it because you earn too little?

People who have worked for a year or two say they won't save it, and those who have worked for 10 say they won't save it. People with an income of four or five thousand say that they can't save, and people with an income of two or three hundred thousand still can't save. Even people with an annual salary of nearly one million are saying that they can't save money. How is the money spent? The money is really spent, and a long list can be drawn up.

What the hell is going on?

Our parents' generation used to be mostly people from institutions, and their income was not the same as that of these children who made money from the Internet, finance and the new economy. However, when it comes to spending money lavishly, every household can come up with a sum of money, which is in stark contrast to the plight of our generation.

I'm afraid the main reason is that expenses are out of control. Regardless of income, the balance after expenditure can be called money saved. There is no point in discussing how much to earn if you don't control your spending.

Why can parents save money but we can't?

The risk awareness of my parents' generation is much higher than ours.

What parents fear most is getting sick. It is too expensive to have a serious illness, so they are very defensive against this risk. In addition, this generation comes from the era of poverty and is short of material resources, and is still deeply impressed by what hunger and lack are.

However, post-80s and post-90s are not. People born after 80, especially those born before 80, are still slightly better. They still have some marks of the era of scarcity in their childhood memories. By the time they were born after 90, they were already in a relatively affluent environment. The biggest feature of these people is that they can buy whatever they want, and there is no concept of money in their bones.

We have no budget, no plan.

When you observe the people around you who can save money, your self-control is generally not too bad. On the contrary, for people with poor self-control, saving money is basically more difficult than going to heaven. Imagine, are those people around you who can keep accounts every day much more planned than others in all aspects of their daily lives and work? Once there is planning and budget control, many expenses can be managed.

In this respect, our parents' generation is better than ours. They are often born in families with many children, and each person can allocate limited resources. At that time, the consumption of every family was strictly "planned economy", including the growth and development schedule of each family's brothers and sisters. Many things (clothes and toys) were passed on to save costs, which made that generation more strictly abide by the financial budget than we did.

We don't keep accounts, and we don't know where the money goes.

Nowadays, people who earn money spend hundreds of thousands on going out to play, which is the same as playing, but people's memories often ignore these expenses intentionally or unintentionally. The next accounting software will take half a year, which will definitely surprise you.

Setting an upper limit on your consumption budget and controlling your expenses by keeping accounts every day is the first step to prevent your expenses from getting out of control. After all, not everyone has an "open source" approach. However, it takes too much time and energy for many people to record every daily necessities like their parents. Fortunately, most of the water is electronic now, and there are many good accounting software that can synchronize themselves, which is also very convenient. We'll talk about this in the end.

It's too expensive to fall in love now.

When I first graduated, the price was slightly cheaper than today. A boy who doesn't fall in love can survive by spending 4000 yuan a month on food and shelter in the north, Guangzhou and Shenzhen, but once he brings a girlfriend, it is generally reflected that he should at least double it. Today, I don't think doubling is possible.

Nowadays, many dating projects are based on the idea of living in the present, such as traveling to see the world, experiencing the limits and buying beautiful bags and clothes. There are countless chicken soups to encourage you. They tell you that when you are old and your color is fading, what capital do you have to see the world, play the limit, wear beautiful clothes and lick small meat?

Married people can save a lot of money in this part and like to play when they are young. People who play around often go out straight after marriage, and their inexplicable needs are much less. They began to earn money to support their families and accompany their wives and children.

We have no money to buy it in buy buy.

Many people boast of a free and easy lifestyle, but in fact they are seriously brainwashed by consumerism and have no independent thinking ability at all. As the saying goes, you can spend and earn. They won't earn much more than others, but they have more skills to spend than others.

A generation ago, all the money earned was spent on children, and the basic consumption concept was summed up in eight words: buy a house, don't eat, don't wear, and don't play. This group of middle-aged and elderly people have either experienced poverty in the early days of the founding of the People's Republic of China, or experienced three years of famine, and may have experienced the Cultural Revolution era of material scarcity, and generally have a strong sense of thrift. If young people can save half their money now, moonlight can be avoided.

We don't have the housing benefits of their generation.

Whether it is rent or mortgage, it is the biggest single expenditure for everyone today. Parents' generation can't say that buying a house is easy, but there are at least three ways to buy a house that young people don't have now:

1. Unit welfare housing allocation (or low-rent housing units);

2. Housing reform, the house is your own and there is not much money;

3. Demolition, replacing one set with at least two sets, and collecting some cash.

1. Unit welfare housing allocation (or low-rent housing units);

2. Housing reform, the house is your own and there is not much money;

3. Demolition, replacing one set with at least two sets, and collecting some cash.

Even if I bought it, the house price in the past was not as high as it is now.

The generation aged 50-60 caught up with the last wave of welfare housing allocation in the 1990s and solved the biggest expenditure problem of a family. Now that young people have made some money, they are tossing about rent or mortgage.

In the era of welfare housing distribution, in the era when the price of commercial housing is still very low, saving a little money feels that "our family has savings"; In today's society, ordinary office workers may still be far from the house if they bite their teeth and save up to six figures. What you need to calculate is not "how much money I have saved", but "how much money do I need to pay the down payment".

They are far more sensitive to price than we are.

The frugality of middle-aged and elderly people really exceeds the imagination of their children. In the past, when materials were scarce, if they could barely afford meat, they would certainly give it to their children, but if they could not afford meat, they would also let them eat something good. It doesn't matter if they are poor. They must bargain when they buy vegetables, and they are even willing to go to far-away wholesale markets to save money. Things at home are broken and must be repaired hard. If the pot is broken, they will never consider buying it.

Learning to spend money is much easier than learning to make money. The frequency of parents' generation buying clothes is generally based on seasons. The frequency of our generation going out of the street is in weeks, and the harvest is different every time. Parents' salary is basically income, and our income is basically equal to expenditure.

The Internet is constantly optimizing the convenience of saving money.

Taobao shopping seems to be an east stroke and a west stroke. The amount of each order is not large, but the accumulated amount is amazing. Without the year-end summary function, many people really don't realize that they have spent so much money online. Girls also have all kinds of skin care products and cosmetics, and all kinds of odds and ends of daily necessities ... will unconsciously empty our wallets.

There is also diet, such as. It's cheap to go to the vegetable market to buy food anywhere, as long as you don't bother cooking. I don't know how many people or most people cook for each meal, but according to my observation, the convenience of take-out is very powerful now.

Order takeout every day, and one person can cook for a week to meet the food expenses of a family of three. In fact, these takeaways are not cheap, especially in the middle of the night, crayfish go out less than 100. You can't feel this part of the money If you don't keep accounts, you have no idea that you will spend so much money on takeout.

Our way of life is fundamentally different from that of our parents.

Nowadays, the consumption concept of young people is obviously different from that of their parents. Will you pay attention to unplugging appliances that are not used at home? Can I wash clothes by hand and flush the toilet with waste water? It's not that you can't save money, but that you have chosen a lifestyle that doesn't save money.

The lifestyle of parents' generation is completely different from that of contemporary young people. Their childhood environment is completely different from yours, so their concept of money is different.

Of course, the concept of parents' generation is not necessarily correct. Many of them have worked hard all their lives to increase the number of passbooks, but the increase in the number can't keep up with the depreciation of money. After 20 or 30 years of rapid development in China, the era of extreme material shortage has passed, and many unnecessary savings are unnecessary. But for most people, thrift is still a virtue.

The most important thing is bookkeeping. Perhaps the speed of saving money will never be as fast as that of printing machine, but having good bookkeeping habits and financial management concepts can help you have more disposable funds and support you to get a quality life when you don't have to save money deliberately. Relieve the sense of security of lack of money. We said earlier that we should recommend a convenient and professional accounting software, and it is best to try Netease money.

Living in the back door of the post-1980s and post-1990s era, there is naturally no need to stick to parents' traditional consumption and financial management concepts. Our new way of life is necessary. But if you are not a rich second generation, you will never have much money. Being able to calculate the accounts well and save money is already the first step ahead of peers around you.